This policy explains, in plain language, what happens to a buyer's money between checkout and delivery: who holds it, what releases it, and what happens when something goes wrong.
100% of your order value is held in escrow — your whole payment stays protected until you confirm delivery, not a capped sub-amount. You have 7 days after delivery to confirm or open a dispute; if you do neither, funds auto-release to the supplier. Disputes have a 14-day resolution target.
Afrikoni is not a bank, not an escrow agent and not a licensed payment institution. Card payments are collected by Stripe, a regulated payment service provider. Afrikoni never receives or stores your card number. Where the supplier has no verified payout account with the payment provider, your payment settles into an Afrikoni-controlled balance held at Stripe and stays there until the release conditions are met.
Cases over US$5,000 do not auto-resolve — they go to manual review by the Afrikoni team before any release. Afrikoni does not provide inspection; buyers may commission their own pre-shipment inspection, typically about $150–$300.